What Does Nationwide Major Medical Pet Insurance Cover?
Nationwide offers Major Medical Pet Insurance, a comprehensive plan that covers various medical expenses for your pet. Here's a breakdown of what it covers:
Covered Expenses:
1. Accidents:
- Emergency medical care for injuries due to accidents, such as broken bones, wounds, and lacerations.
- Hospitalization and surgery related to accidental injuries.
2. Illnesses:
- Medical treatment for illnesses, including cancer, diabetes, allergies, and more.
- Diagnostic tests, such as X-rays, blood work, and ultrasounds.
- Prescription medications prescribed by a veterinarian.
3. Diagnostic Imaging:
- X-rays, MRIs, CT scans, and other imaging procedures to diagnose medical conditions.
4. Surgery:
- Surgical procedures for various medical conditions, including cancer removal, injury repair, and joint replacements.
- Anesthesia and pain management during surgery.
5. Hospitalization:
- Inpatient hospitalization for medical conditions or injuries.
- Intensive care unit (ICU) stays, if medically necessary.
6. Emergency Care:
- Emergency medical treatment for life-threatening conditions, including poisoning, seizures, and severe trauma.
- After-hours and weekend emergency vet visits.
7. Prescription Medications:
- Coverage for prescription medications prescribed by a veterinarian to treat covered illnesses and injuries.
- Excludes routine preventive medications.
8. Specialist Care:
- Consultation and treatment by veterinary specialists, such as oncologists, cardiologists, and dermatologists.
- Referrals to specialists, if necessary.
Coverage Options:
Nationwide offers various coverage options to customize your pet insurance plan:
1. Deductible:
- Choose the deductible amount you're willing to pay before coverage kicks in.
- Lower deductibles mean higher premiums and vice versa.
2. Reimbursement Percentage:
- Select the percentage of covered expenses you want to be reimbursed for, typically ranging from 70% to 90%.
- Higher reimbursement percentages result in higher premiums.
3. Annual Benefit Limit:
- Set the maximum amount the insurance will cover for covered expenses in a year.
- Higher annual benefit limits come with higher premiums.
Exclusions and Limitations:
While Nationwide Major Medical Pet Insurance covers various medical expenses, there are certain exclusions and limitations:
1. Pre-existing Conditions:
- Conditions diagnosed or treated before the policy's effective date are generally excluded.
- Some insurers may offer coverage for pre-existing conditions with a waiting period.
2. Routine Care:
- Preventive care, such as vaccinations, routine checkups, and spaying/neutering, is generally not covered.
- Some insurers may offer wellness coverage as an add-on.
3. Dental Care:
- Most pet insurance plans, including Nationwide's, typically exclude dental care, except for injuries or conditions related to accidents.
- Dental coverage may be available as an add-on.
4. Cosmetic Procedures:
- Cosmetic surgeries, such as ear cropping or tail docking, are not covered.
5. Breeding and Pregnancy:
- Expenses related to breeding, pregnancy, or whelping are generally not covered.
6. Experimental Treatments:
- Experimental or unproven treatments may not be covered.
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